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P&L Only Non-QM Program

Non-QM Matrix

Reach More Clients with our P&L Only Non-QM Program!

Program Highlights

  • 80% Max LTV
  • 660 Min FICO
  • Max loan amount $2.5 million
  • 1x30x12 allowed
  • 36 months credit event seasoning
  • Income documented using a 12- or 24-month P&L statement only for qualifying self-employed who meet eligibility and documentation requirements.
  • The P&L must be prepared by the same licensed third-party tax preparer who prepared and filed the borrower’s most recent business tax return.
  • Additional documentation requirements apply, see our matrix for full details.

 

Note: Short Term Rentals and Temporary Buydowns not allowed.  See our Non-QM Matrix for details and contact your Account Executive to learn more.

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© 2025 All rights reserved Brokers Choice Mortgage is a registered DBA of OCMBC, Inc. NMLS ID #2125. Equal Housing Lender. All rights reserved. Some products may not be available in all states. Programs and rates are subject to change without notice. Turn time estimates are not warranted or guaranteed. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify. This is not a commitment to lend. For more licensing information, visit the Nationwide Multistate Licensing System’s Consumer Access website www.nmlsconsumeraccess.org. For our licensing information and lists please visit: Our Licensing page.  Intended for use by real estate and lending professionals only and not for distribution to consumers.